by our College Data Analytics TeamBelow is federal data on the loans students use to pay for International Beauty School 4— how much they borrow, how that debt is spread across the student body, and what it costs to pay back. All figures come from the U.S. Department of Education and IPEDS.
At International Beauty School 4, 100% of freshmen borrow to help pay for their first year, with a typical loan of $5,536 each — a figure that counts both private and federal student loans.
The average federally funded loan is $5,536. That sits at or beyond the $5,500 first-year federal limit for a typical dependent student. Remember the all-undergraduate figures below leave out private loans, so they will look lower than this private-plus-federal freshman amount.
Among all degree-seeking undergrads at International Beauty School 4, 81% borrow through federal student loan programs, averaging $9,374 a year. It comes to 69.3% higher than the first-year federal average of $5,536.
Repeating that yearly amount projects to about $18,748 after two years and $37,496 after four. This assumes steady federal borrowing and leaves out private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 81% |
| Average federal loan per year | $9,374 |
| Undergraduates with a federal loan | 95 |
| Total federal loans (one year) | $890,543 |
The middle borrower at International Beauty School 4 owes $6,326 in federal student loans.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $6,326 |
| Students who completed (graduates) | $6,333 |
| Students who withdrew | $5,037 |
The figure for students who withdrew is worth watching: debt without a completed credential is the hardest to repay.
The median hides the spread, so the percentiles below show cumulative federal debt at four points in the distribution for International Beauty School 4.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $3,333 |
| 25th percentile | $4,750 |
| 75th percentile | $12,000 |
| 90th percentile (highest-debt students) | $14,750 |
How wide this percentile range is tells you how much borrowing varies across students at International Beauty School 4.
Repayment burden translates the debt figures into what a borrower actually pays each month. International Beauty School 4.
Defaulting means failing to repay a federal student loan, which carries serious credit consequences. The federal two-year cohort default rate for International Beauty School 4 appears below.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 21.4% |
| Borrowers in the cohort | 112 |
The cohort default rate tracks borrowers who entered repayment in a given year and defaulted within the two-year measurement window.
The breakdowns below show median federal debt by income, first-generation status, and dependency.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $5,500 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $5,500 |
| Independent students | $6,333 |
These pre-calculated indicators summarize the borrowing gaps between cohorts at International Beauty School 4.
Subsidized and Unsubsidized Loans
Subsidized loans pause interest while you are in school; unsubsidized loans do not. That difference compounds over four years, so the type of loan you take matters as much as the amount.
Worth Knowing
Federal student loans are not discharged in bankruptcy in all but the rarest cases, and the government can withhold part of your income or tax refund if you default.
References
More about our data sources and methodologies.